Recently, we talked about the growth of health insurance in Spain, with 20% of the population already having it. Today we want to talk about how this insurance can affect a self-employed worker, and the reasons why he/she would consider taking it out.
Main features of health insurance
Health insurance should not be seen as an alternative to Social Security, but as a complement. We have always defended the reliability of Spanish public health care, but it is true that the crisis and cutbacks have reduced its agility.
These are the main reasons for taking out health insurance:
- Direct access to specialists, without first going through the family doctor.
- Quick appointments, unlike the public sector, whose waiting lists are months long (especially in gynecology, ophthalmology and traumatology).
- Rapid diagnostic test management: both in practice and in obtaining results
- Very good user ratings of the services provided in private healthcare
As a result, more than 11 million people are now insured in Spain.
How would a self-employed person benefit?
The self-employed, like almost everyone else nowadays, cannot waste time, it is very valuable. That need for speed in medical appointments and in obtaining diagnoses cannot be achieved in public healthcare except for very serious issues.
When faced with any kind of problem, what we are looking for is speed in knowing the results and being able to find a solution to the problem. This is exactly what the self-employed worker, who already has a lot of work and busy schedules, needs.
Another benefit for the self-employed is that this insurance premium expense is deductible in the IRPF, up to 500 euros per person per year (including the spouse and children under 25 years of age). That is to say, a person who pays a tax rate of 30%, and who pays around 2,000 euros in premiums for his or her family, would actually assume a cost of 1,400 euros.
If you want to find out more and you are considering taking out these life insurance policies for the self-employed, please contact us. Enjoy our groups with special rates.
